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Citizens State Bank

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In order to get started, select an account that works for you.

Simply Free Checking
A truly free checking account built for you — no minimums, no monthly fees, and great for everyday spending and paying bills.
  • Perks — Visa® Debit Card and free gift at account opening
  • Convenience — Easy-to-use digital banking and in-app chat customer service
  • Personal Attention — Friendly support from a team committed to your community
Direct Interest Checking
Everything you love about our Simply Free Checking — plus the benefit of earning interest on your balance.
  • Earning Power — Grow your money with competitive interest and direct deposit
  • Ease — No monthly service fee and no minimum balance requirements
  • Local Expertise — A hometown team that helps your money work harder
50 Plus Interest Checking
A checking account made for customers 50 and over who value flexibility and steady growth.
  • Earn Interest — Grow your money and enjoy your first box of checks free
  • Zero Fees — No monthly fee or minimum balance to worry about
  • Local Banking — Get the convenience of modern banking with the service and care of a local team.
Premier Interest Checking
A checking account for those who want more from their money — and their banking experience.
  • Stronger Returns — Earn higher interest with balances of $1,500 or more
  • Ongoing Rewards — Continue earning competitive interest on every dollar you save
  • Total Access — Seamless online, mobile, and in-person banking that fits your lifestyle
Money Market
A flexible account that lets you earn more while keeping your money within reach.
  • Higher Earnings — Competitive rates that outperform traditional savings accounts
  • Versatility — Combines the earning power of savings with the functionality of a checking account
  • Control — Track activity and protect other accounts with built-in overdraft coverage options
Simply Savings
A straightforward savings account that helps you build habits and keep your money close at hand.
  • Easy Saving — Set up automatic transfers or direct deposit to grow your balance effortlessly
  • Access Anytime — Use digital banking to track your progress and manage your funds
  • Built for Your Goals — Easily set aside money for emergencies, plans, or everyday peace of mind